Getting into a car accident is stressful enough—but finding out the other driver doesn’t have insurance? That can leave you feeling frustrated and unsure of what to do next. Uninsured motorists are more common than you think, and the aftermath can feel like an uphill battle.
What Is Uninsured Motorist Coverage?
Uninsured motorist (UM) coverage is a type of insurance designed to protect you in situations like these. If the driver who caused your accident doesn’t have insurance—or doesn’t have enough insurance—your UM coverage can step in to pay for your damages. The benefits of uninsured or underinsured motorist insurance coverage includes things like:
- Medical expenses (hospital bills, physical therapy, and ongoing treatments)
- Lost wages if your injuries prevent you from working
- Pain and suffering caused by the accident
- Property damage to your vehicle or other belongings
UM coverage is optional in Louisiana, but it’s highly recommended for this exact reason. If you’re unsure whether you have UM coverage or how it works, don’t worry—our team can help you review your policy and explore all your options.

